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KARUR VYSYA BANK LTD.
Sector : Banks


BSE  35.0   0   (0%)   BSE Code : 590003   NSE Code : KARURVYSYA

PREV. CLOSE
35.0
OPEN PRICE
35.0
CLOSE PRICE
35.0
VOLUME
120103
TODAY's LOW
34.7
TODAY's HIGH
35.5




Important Levels
Pivot Points - 35.07
Resistance 1 35.43
Resistance 2 35.87
Support 1 34.63
Support 2 34.27

Price History

Price History
Date Open High Low Close Gain / Loss % Volume
12/08/2020 35.0 35.5 34.7 35.0 0 120103
11/08/2020 35.95 35.95 34.15 35.35 3.97 227961
10/08/2020 35.6 35.9 34.1 34.9 -0.29 421670
05/08/2020 33.15 34.05 32.0 32.95 2.97 434692
04/08/2020 34.2 34.2 32.0 32.15 -2.58 94806
03/08/2020 34.9 34.9 32.5 33.0 -2.94 348940
31/07/2020 34.9 35.9 33.65 34.95 2.79 821025
30/07/2020 31.0 35.7 31.0 34.4 10.97 1183930
29/07/2020 31.35 31.45 30.8 31.0 3.33 172954
27/07/2020 31.05 31.75 30.3 30.35 1.17 192761

Peer Comparison

Name   Current Price 5 Days Old 10 Days Old 15 Days Old 20 Days Old
AXIS BANK LTD. Price 450.95 428.9 431.65 433.8 439.5
Gain / Loss % 0.66 5.14 4.47 3.95 2.61
BANK OF BARODA Price 48.6 46.55 46.7 48.65 51.55
Gain / Loss % 3.4 4.4 4.07 -0.1 -5.72
BANK OF INDIA Price 49.05 48.85 45.95 47.05 49.3
Gain / Loss % 2.19 0.41 6.75 4.25 -0.51
BANK OF MAHARASHTRA Price 12.14 11.93 11.72 10.74 11.57
Gain / Loss % 10.36 1.76 3.58 13.04 4.93
CANARA BANK Price 102.15 104.45 99.65 103.0 104.55
Gain / Loss % 1.14 -2.2 2.51 -0.83 -2.3
CENTRAL BANK OF INDIA Price 18.2 17.55 16.85 16.85 17.45
Gain / Loss % 1.11 3.7 8.01 8.01 4.3
CITY UNION BANK LTD. Price 117.95 117.0 122.55 123.95 132.2
Gain / Loss % -0.88 0.81 -3.75 -4.84 -10.78
DEVELOPMENT CREDIT BANK LTD. Price 83.15 80.65 78.45 81.55 83.1
Gain / Loss % 1.4 3.1 5.99 1.96 0.06
Dhanlaxmi Bank Limited Price 13.09 12.41 12.77 13.24 13.84
Gain / Loss % 19 5.48 2.51 -1.13 -5.42
FEDERAL BANK LTD. Price 54.0 52.3 56.0 53.65 54.2
Gain / Loss % 0 3.25 -3.57 0.65 -0.37
HDFC BANK LTD. Price 1063.75 1041.4 1079.05 1132.8 1105.35
Gain / Loss % -0.3 2.15 -1.42 -6.1 -3.76
ICICI BANK LTD. Price 366.8 351.05 358.5 362.85 360.35
Gain / Loss % -0.05 4.49 2.32 1.09 1.79
IDBI BANK LTD. Price 39.95 38.55 36.9 40.0 43.35
Gain / Loss % 2.44 3.63 8.27 -0.12 -7.84
INDIAN BANK Price 64.2 58.25 56.75 61.55 63.9
Gain / Loss % 0.31 10.21 13.13 4.31 0.47
INDIAN OVERSEAS BANK Price 10.65 10.32 10.37 10.5 10.76
Gain / Loss % 6.5 3.2 2.7 1.43 -1.02
INDUSIND BANK LTD. Price 520.5 492.6 506.4 528.5 539.15
Gain / Loss % -0.1 5.66 2.78 -1.51 -3.46
JAMMU & KASHMIR BANK LTD. Price 17.6 16.05 16.05 17.15 18.85
Gain / Loss % 3.53 9.66 9.66 2.62 -6.63
KARNATAKA BANK LTD. Price 42.7 42.05 43.1 45.4 47.1
Gain / Loss % 1.67 1.55 -0.93 -5.95 -9.34
KARUR VYSYA BANK LTD. Price 35.0 32.15 30.35 31.45 34.8
Gain / Loss % 0 8.86 15.32 11.29 0.57
KOTAK MAHINDRA BANK LTD. Price 1335.4 1323.95 1322.45 1318.6 1349.5
Gain / Loss % -2.1 0.86 0.98 1.27 -1.04
LAKSHMI VILAS BANK LTD. Price 21.0 18.85 19.4 21.35 22.35
Gain / Loss % 0 11.41 8.25 -1.64 -6.04
PUNJAB & SIND BANK Price 13.36 13.36 13.45 13.05 13.95
Gain / Loss % 2.77 0 -0.67 2.38 -4.23
PUNJAB NATIONAL BANK Price 33.8 32.6 32.35 34.5 35.05
Gain / Loss % 5.62 3.68 4.48 -2.03 -3.57
SOUTH INDIAN BANK LTD. Price 7.34 6.81 6.97 7.54 8.02
Gain / Loss % 4.86 7.78 5.31 -2.65 -8.48
STATE BANK OF INDIA Price 203.35 191.65 187.15 190.65 195.65
Gain / Loss % 4.28 6.1 8.66 6.66 3.94
UCO BANK Price 13.92 13.94 13.17 13.6 13.93
Gain / Loss % 7.08 -0.14 5.69 2.35 -0.07
UNION BANK OF INDIA Price 30.85 29.1 29.55 31.0 32.05
Gain / Loss % 2.83 6.01 4.4 -0.48 -3.74
YES BANK LTD. Price 16.35 12.22 12.3 19.45 25.5
Gain / Loss % 9 33.8 32.93 -15.94 -35.88

Technical Indicators

Simple Moving Average
5 Days 34.07
10 Days 33.41
15 Days 32.67
25 Days 33.12
30 Days 33.32
Exponential Moving Average
5 Days 34.41
10 Days 33.73
12 Days 33.55
20 Days 33

MACD
12 Day EMA 33.55
26 Day EMA 32.61
MACD 0.94
Signal Line 0.77
Other Technical Indicators
Non - Smoothed RSI 77.59
Smoothed RSI 76.25
ROC 11.29
William %R -16.24
Upper Bollinger Band 36.05
Lower Bollinger Band 29.48
Middle Bollinger Band 32.77

Technical Analysis
Over Bought by RSI? Yes
Over Sold by RSI? No
Over Bought by ROC? No
Over Sold by ROC? No
Over Bought by W%R? Yes
Over Sold by W%R? No

CandleStick Chart

Financials

Balance Sheet

(Rs. in Crores)

Particulars Mar-18 Mar-17 Mar-15 Mar-14 Mar-13
Liabilities
Share Capital 145.33 121.86 121.63 107.18 107.18
Reserves & Surplus 6118.86 4913.83 4124.4 3219.16 2978.01
Net Worth 6264.19 5035.7 4246.03 3326.34 3085.19
Secured Loans 2381.67 1695.65 2900.75 3293.31 3999.34
Unsecured Loans 56890.09 53699.81 44690.27 43757.68 38652.98
TOTAL LIABILITIES 65535.95 60431.16 51837.05 50377.34 45737.52
Assets
Gross Block 474.7 410.94 394.51 375.94 322.11
(-) Acc. Depreciation 0 0 0 0 0
Net Block 474.7 410.94 394.51 375.94 322.11
Capital Work in Progress. 53.49 7.67 16.66 8.76 0
Investments 15803.21 14857.48 12773.01 13247 13837.26
Inventories 0 0 0 0 0
Sundry Debtors 0 0 0 0 0
Cash And Bank 4296.91 4345.09 2749.09 2678.23 1796.02
Loans And Advances 46300.81 42186.44 37219.22 35233.22 30777.95
Total Current Assets 50597.72 46531.53 39968.3 37911.45 32573.97
Current Liabilities 1393.17 1376.46 1315.42 1165.82 995.82
Provisions 0 0 0 0 0
Total Current Liabilities 1393.17 1376.46 1315.42 1165.82 995.82
NET CURRENT ASSETS 49204.55 45155.07 38652.88 36745.64 31578.15
Misc. Expenses 0 0 0 0 0
TOTAL ASSETS 65535.95 60431.16 51837.05 50377.34 45737.52

Profit and Loss

(Rs. in Crores)

Particulars Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
INCOME:
Sales Turnover 5699.65 5622.35 5443.40 5395.88 5115.96
Excise Duty 0.00 0.00 0.00 0.00 0.00
NET SALES 5699.65 5622.35 5443.40 5395.88 5115.96
Other Income 0.00 0.00 0.00 0.00 0.00
TOTAL INCOME 6599.59 6404.57 6150.22 5976.72 5680.41
EXPENDITURE:
Manufacturing Expenses 0.00 0.00 0.00 0.00 0.00
Material Consumed 0.00 0.00 0.00 0.00 0.00
Personal Expenses 639.08 607.96 547.38 547.05 527.92
Selling Expenses 17.41 27.16 0.00 0.00 0.00
Administrative Expenses 746.82 563.94 622.57 475.04 407.76
Expenses Capitalised 0.00 0.00 0.00 0.00 0.00
Provisions Made 1273.68 687.49 323.79 480.51 442.31
TOTAL EXPENDITURE 2677.00 1886.56 1493.74 1502.60 1377.98
Operating Profit 894.80 874.64 611.42 443.81 348.03
EBITDA 5196.27 5205.51 4980.27 1024.65 912.48
Depreciation 17.41 85.89 82.81 81.36 74.69
Other Write-offs 0.00 0.00 0.00 0.00 0.00
EBIT 5178.86 5119.62 4897.46 943.29 837.80
Interest 3401.54 3548.65 3662.03 3929.97 3832.26
EBT 503.64 4432.12 911.63 462.78 395.49
Taxes 157.97 277.49 344.00 7.17 -34.11
Profit and Loss for the Year 345.67 4154.63 567.63 455.61 429.60
Non Recurring Items 0.00 0.00 0.00 8.67 0.00
Other Non Cash Adjustments 0.00 0.00 0.00 0.00 0.00
Other Adjustments 0.00 -3548.65 0.00 0.00 0.00
REPORTED PAT 345.67 605.98 567.63 464.28 429.60
KEY ITEMS
Preference Dividend 0.00 0.00 0.00 0.00 0.00
Equity Dividend -103.50 0.00 135.88 125.74 116.20
Equity Dividend (%) -71.21 0.00 111.49 103.37 108.40
Shares in Issue (Lakhs) 7266.39 6093.22 1216.30 1216.30 1071.81
EPS - Annualised (Rs) 4.76 9.95 46.67 38.17 40.08

Quarterly

(Rs. in Crores)

Particulars 2020-09 2020-06 2020-03 2019-12 2019-09
INCOME:
Net Sales Turnover 1394.7 1376.1 1456.16 1503.78 1537.51
Other Income 271.56 317.13 346.99 260.06 277.73
TOTAL INCOME 1666.26 1693.23 1803.15 1763.84 1815.24
EXPENDITURE:
Stock Adjustments 0 0 0 0 0
Raw Material Consumed 0 0 0 0 0
Power and Fuel 0 0 0 0 0
Employee Expenses 220.55 213.64 214.42 225.49 212.99
Administration and Selling Expenses 0 0 0 0 0
Research and Development Expenses 0 0 0 0 0
Expenses Capitalised 0 0 0 0 0
Other Expenses 203.74 191.45 223.22 227.05 229.86
Provisions Made 284.73 337.57 429.27 364.26 365.17
TOTAL EXPENSES 709.02 742.66 866.91 816.8 808.02
Operating Profit 685.68 633.44 589.25 686.98 729.49
EBITDA 957.24 950.57 936.24 947.04 1007.22
Depreciation 0 0 0 0 0
EBIT 1241.97 1288.14 1365.51 1311.3 1372.39
Interest 793.21 814.26 865.68 926.57 941.23
EBT 448.76 473.88 499.83 384.73 431.16
Taxes 49.14 30.81 -13.14 5.4 2.66
Profit and Loss for the Year 399.62 443.07 512.97 379.33 428.5
Extraordinary Items 0 0 0 0 0
Prior Year Adjustment 0 0 0 0 0
Other Adjustments -284.73 -337.57 -429.27 -364.26 -365.17
REPORTED PAT 114.89 105.5 83.7 15.07 63.33
KEY ITEMS:
Reserves Written Back 0 0 0 0 0
Equity capital 159.86 159.86 159.86 159.86 159.86
Reserves and Surplus 0 0 0 0 0
Equity Dividend Rate 0 0 0 0 0
Agg. Non-Promoter Shares(lacks) 0 0 0 0 0
Agg. Non-Promoter Holding (%) 0 0 0 0 0
Government Share 0 0 0 0 0
Capital Adequacy Ratio 0 0 0 0 0
EPS (Rs.) 0 0 0 0 0

Key Ratios

Key Financial ratios of KARUR VYSYA BANK LTD. Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
Key Stats
Earnings Per Share 4.76 9.95 46.67 38.17 40.08
Profitability Ratios
Operating Profit Margin(%) 15.7 15.56 11.23 8.22 6.8
Profit Before Interest And Tax Margin(%) 90.86 91.06 89.97 17.48 16.38
Net Profit Margin(%) 6.06 10.78 10.43 8.6 8.4
Return On Capital Employed(%) 0.54 7.04 1.12 0.93 0.96
Return On Net Worth(%) 5.52 12.03 13.37 13.96 13.92
Return on Assets(%) 0.53 1 1.1 0.92 0.94
Tax Rate(%) 31.37 6.26 37.73 1.55 -8.62
Liquidity And Solvency Ratios
Current Ratio 36.32 33.81 30.38 32.52 32.71
Quick Ratio 36.32 33.81 30.38 32.52 32.71
Debt Equity Ratio 9.46 11 11.21 14.14 13.82
Liquidity And Solvency Ratios
Interest Coverage Ratio 1.52 1.44 1.34 0.24 0.22
Management Efficiency Ratios
Inventory Turnover Ratio ? ? ? ? ?
Total Assets Turnover Ratio 0.09 0.09 0.11 0.11 0.11
Margin Ratios
Core EBITDA Margin(%) 78.74 81.28 80.98 17.14 16.06
EBIT Margin(%) 78.47 79.94 79.63 15.78 14.75
PAT Margin(%) 6.06 10.78 10.43 8.6 8.4